If you're looking for cheap car insurance in Mississippi, it's best to shop around among multiple providers. We compared local car insurance quotes for a benchmark driver in 160+ cities across the Magnolia State, and found that the cheapest car insurance in Mississippi varies widely by location and insurance company.

In fact, the most expensive auto insurance company costs over twice as much what the cheapest auto insurance company in Mississippi charged. That's why to find the best car insurance rates, drivers should compare rates from a few different companies. To get started, use the tool above and type in your zip code to see the top providers near you or read on to see our research on rates.

Cheapest car insurance in Mississippi

If you're looking for the cheapest auto insurance policy possible, you should buy one that only meets the minimum coverage limits required by Mississippi. Among insurers offering these policies, we found Mississippi Farm Bureau to be the cheapest widely-available insurer, charging an average of $511 per year. But if you qualify, USAA is the cheapest insurer by far at only $267 per year.

Shoppers should note that the Farm Bureau charges an annual membership fee, which can range from $25 to $40 based on which county drivers live in.

A minimum coverage policy with liability insurance will ensure you're compliant with state law, but we always recommend purchasing even more liability coverage. In the event of a major accident in which bodily injury and property damage costs exceed these modest limits, Mississippi drivers will be on the hook for the remaining costs out of pocket.

We analyzed auto insurance rates in Mississippi for our sample driver, a 30 year old single man, as a benchmark to compare costs across eight companies.

Rank

Company

Average annual rate

1

Mississippi Farm Bureau

$511

2

State Farm

$540

3

Nationwide

$693

4

ALFA

$818

5

Allstate

$867

6

Progressive

$1,094

7

Shelter

$1,199

N/A

USAA

$267

USAA is excluded from rankings because only current and former military members (and their families) qualify for a policy.

Cheapest full coverage auto insurance: State Farm

A full coverage policy includes comprehensive and collision insurance, and is more expensive than a policy that just has liability insurance. On average, Mississippi drivers get the cheapest full coverage policies with State Farm. We also recommend getting a quote from Mississippi Farm Bureau and Alfa.

State Farm: Full coverage policies cost $1,504 per year on average with State Farm in Mississippi. This is over $200 cheaper than the best alternative.

Mississippi Farm Bureau: Even including its membership fee, the Farm Bureau has the second cheapest rates in the state at $1,716 per year.

Alfa: The Alabama-based Alfa Insurance is not far behind the Farm Bureau. Mississippi drivers can get a full coverage policy for $1,814 per year on average.

We suggest that drivers looking for low full coverage rates add these three insurers to their list of companies to get and compare quotes from.

Rank

Company

Average annual rate

1

State Farm

$1,504

2

Mississippi Farm Bureau

$1,716

3

Alfa

$1,814

4

Nationwide

$2,272

5

Shelter

$2,532

6

Allstate

$3,359

7

Progressive

$3,430

N/A

USAA

$1,033

USAA is excluded from rankings because only current and former military members (and their families) qualify for a policy.

Comprehensive insurance covers your car against damage from events that are an "act of God," such as weather. Collision insurance covers damage to your car that happens on the road regardless of who was at-fault, so damage to your car will be covered if you're in a solo accident or in an accident that was your fault.

If you borrowed to finance your car purchase, or if you're leasing a car, your lender likely requires you to buy a full coverage policy.

For everyone else, we recommend full coverage insurance if the value of your car is higher than the sum of the cost of adding full coverage and your policy deductible.

Cheapest for drivers with an accident on their record: State Farm

Mississippi insurance companies charge more for drivers with an accident on their record. In the eyes of an insurer, a history of crashes makes you more likely to crash again. If you have an accident on your record, you should look to find savings with State Farm, which had the cheapest rates for any Mississippi insurer when our driver had been in an at-fault accident.

Rank

Insurer

Annual rate after accident

Annual rate before accident

Difference

1

State Farm

$1,826

$1,504

$322

2

Alfa

$2,075

$1,814

$261

3

Mississippi Farm Bureau

$2,249

$1,716

$533

4

Nationwide

$3,338

$2,272

$1,066

5

Shelter

$4,256

$2,532

$1,724

6

Progressive

$5,135

$3,430

$1,705

7

Allstate

$5,197

$3,359

$1,839

N/A

USAA

$1,405

$1,033

$372

USAA was the cheapest overall insurer, but as it is only available for military members and their families, we did not include it in our rankings.

Alfa Insurance may also be an affordable option for Mississippi drivers. On average, it raised rates by $261 per year for our sample driver, which is less than any other insurers, including State Farm. Several insurance companies in Mississippi — such as Shelter, Progressive and Allstate — had much more severe penalties for our driver in excess of $1,700.

Best auto insurance companies in Mississippi

One way of evaluating which Mississippi carriers are the best for car insurance is to analyze how many complaints they received relative to their competitors — a complaint index. By this measure, Mississippi Farm Bureau, Progressive and Nationwide rank as the best insurers for customer service in Mississippi.

Given its combination of low complaints and affordability, Mississippi residents looking for their best overall car insurance option should definitely take a look at the Farm Bureau.

Rank

Company

Market share

Complaint index

1

Mississippi Farm Bureau

9.9%

0.21

2

Progressive

11.5%

0.25

3

Nationwide

4.3%

0.49

4

State Farm

20.6%

0.57

5

Shelter Insurance

2.8%

0.61

6

Allstate

6.0%

0.64

7

Liberty Mutual (Safeco)

5.9%

0.66

8

Alfa Insurance

2.7%

0.69

9

USAA

4.1%

0.84

10

GEICO

5.7%

0.92

Complaint index was drawn from the National Association of Insurance Commissioners for the top 10 insurance groups in Mississippi by market share.

The complaint index is calculated by comparing each company's share of complaints versus its market share. The lower each company's complaint index figure, the more the company outperforms its competitors. The national average is 1.0, so all these insurers have a complaint rate that is lower — in other words, better — than the average insurance company.

Mississippi car insurance minimum requirements

In Mississippi, all drivers are required to have auto insurance coverage. Driving without insurance in Mississippi can lead to a fine of $500 and license suspension. Below we detail the minimum required auto insurance coverages for Mississippi drivers.

Cheapest auto insurance in Mississippi: by city

The cheapest rates for car insurance in Mississippi will vary depending on your location. We looked into auto insurance quotes at the 50 most populated cities in the state to see just how much rates can change and recommend the cheapest insurer on average in each. Rates are for a full coverage policy.

If you qualify for USAA, it tends to be the cheapest insurer in any given city. Otherwise, State Farm was the most affordable option.

Mississippi Farm Bureau and Alfa Insurance alternated as the third most affordable car insurance company for these 50 Mississippi cities, with the Farm Bureau one of the top three cheapest in 33 cities and Alfa Insurance in the remaining 17.

City

Company

Annual premium

Amory

USAA

$972

State Farm

$1,285

Mississippi Farm Bureau

$1,529

Batesville

USAA

$1,129

State Farm

$1,624

Mississippi Farm Bureau

$1,828

Bay St. Louis

USAA

$1,032

State Farm

$1,597

Mississippi Farm Bureau

$1,845

Biloxi

USAA

$997

State Farm

$1,556

Mississippi Farm Bureau

$1,912

Booneville

USAA

$954

State Farm

$1,308

Mississippi Farm Bureau

$1,457

Brandon

USAA

$1,029

State Farm

$1,677

Mississippi Farm Bureau

$1,750

Brookhaven

USAA

$1,008

State Farm

$1,516

Mississippi Farm Bureau

$1,629

Byram

USAA

$1,137

State Farm

$1,738

Alfa

$1,825

Canton

USAA

$1,113

State Farm

$1,588

Alfa

$1,724

Clarksdale

USAA

$1,069

State Farm

$1,676

Alfa

$1,973

Cleveland

USAA

$1,069

State Farm

$1,447

Mississippi Farm Bureau

$1,719

Clinton

USAA

$1,108

State Farm

$1,543

Alfa

$1,825

Columbus

USAA

$923

State Farm

$1,434

Mississippi Farm Bureau

$1,613

Corinth

USAA

$954

State Farm

$1,365

Mississippi Farm Bureau

$1,496

D'Iberville

USAA

$990

State Farm

$1,539

Mississippi Farm Bureau

$1,846

Diamondhead

USAA

$1,032

State Farm

$1,634

Mississippi Farm Bureau

$1,720

Flowood

USAA

$1,044

State Farm

$1,574

Alfa

$1,779

Gautier

USAA

$1,070

State Farm

$1,404

Mississippi Farm Bureau

$1,701

Greenville

USAA

$1,069

State Farm

$1,494

Mississippi Farm Bureau

$1,694

Greenwood

USAA

$1,067

State Farm

$1,389

Alfa

$1,484

Grenada

USAA

$1,067

State Farm

$1,632

Mississippi Farm Bureau

$1,762

Gulfport

USAA

$1,042

State Farm

$1,550

Mississippi Farm Bureau

$1,989

Hattiesburg

USAA

$949

State Farm

$1,384

Alfa

$1,761

Hernando

USAA

$1,035

State Farm

$1,492

Mississippi Farm Bureau

$1,629

Holly Springs

USAA

$972

State Farm

$1,401

Alfa

$1,578

Horn Lake

USAA

$1,069

State Farm

$1,659

Alfa

$1,853

Indianola

USAA

$1,069

State Farm

$1,356

Mississippi Farm Bureau

$1,570

Jackson

USAA

$1,138

State Farm

$1,764

Alfa

$1,866

Kosciusko

USAA

$972

State Farm

$1,426

Mississippi Farm Bureau

$1,723

Laurel

USAA

$1,035

State Farm

$1,468

Alfa

$1,645

Long Beach

USAA

$1,006

State Farm

$1,502

Mississippi Farm Bureau

$1,821

Louisville

USAA

$972

State Farm

$1,453

Mississippi Farm Bureau

$1,658

Madison

USAA

$1,105

State Farm

$1,514

Mississippi Farm Bureau

$1,784

Meridian

USAA

$994

State Farm

$1,537

Mississippi Farm Bureau

$1,670

Moss Point

USAA

$1,088

State Farm

$1,494

Alfa

$1,792

New Albany

USAA

$990

State Farm

$1,292

Mississippi Farm Bureau

$1,471

Olive Branch

USAA

$1,069

State Farm

$1,619

Mississippi Farm Bureau

$1,833

Oxford

USAA

$954

State Farm

$1,427

Mississippi Farm Bureau

$1,691

Pascagoula

USAA

$1,088

State Farm

$1,529

Alfa

$1,792

Petal

USAA

$1,006

State Farm

$1,444

Mississippi Farm Bureau

$1,576

Pontotoc

USAA

$990

State Farm

$1,262

Mississippi Farm Bureau

$1,469

Richland

USAA

$1,044

State Farm

$1,608

Alfa

$1,779

Ridgeland

USAA

$1,056

State Farm

$1,494

Mississippi Farm Bureau

$1,822

Senatobia

USAA

$972

State Farm

$1,454

Mississippi Farm Bureau

$1,682

Southaven

USAA

$1,052

State Farm

$1,600

Alfa

$1,853

Tupelo

USAA

$970

State Farm

$1,321

Mississippi Farm Bureau

$1,529

Vicksburg

USAA

$1,064

State Farm

$1,626

Alfa

$1,722

Waveland

USAA

$1,097

State Farm

$1,598

Mississippi Farm Bureau

$1,845

West Point

USAA

$972

State Farm

$1,347

Mississippi Farm Bureau

$1,557

Yazoo City

USAA

$1,113

State Farm

$1,775

Alfa

$1,845

To take a closer look at how car insurance rates may change depending on where you live in Mississippi, we dug into costs for the five largest cities below:

Jackson

Gulfport

Southaven

Biloxi

Hattiesburg

The range of car insurance prices in Mississippi tends to be quite narrow. The most expensive city, Jackson, is 10% more expensive than the state average, while the cheapest city, Tupelo, is only 11% cheaper than the average cost of car insurance in Mississippi.

Car insurance in Jackson, MS

Jackson is the most expensive city in Mississippi for auto insurance, which makes sense: densely populated areas with more accidents tend to have more expensive quotes.

Our sample driver pays $2,435 per year for car insurance in Jackson, 10% higher than the overall state average.

State Farm and Alfa Insurance are both reasonably affordable options in Jackson at $1,764 per year and $1,866 per year, respectively.

Auto insurance in Gulfport, MS

Like Jackson, it's harder for drivers to find cheap car insurance in Gulfport. It ranks as the fifth most expensive city in the state.

The average cost of car insurance in Gulfport is $2,354 per year for our driver. That's 7% higher than the Mississippi average.

USAA is the cheapest overall insurer, but Gulfport has a big gap in rates between State Farm and the Mississippi Farm Bureau, the second and third cheapest insurers. At $1,550 per year, State Farm is more than $400 cheaper than the Farm Bureau ($1,989 per year).

Auto insurance in Southaven, MS

For a populous city, Southaven is relatively affordable. Its prices are right around average of our 50 cities.

Car insurance in Southaven costs $2,249 per year on average, 2% over the Mississippi average.

With the exception of USAA, State Farm and Alfa insurance rank as the two most affordable insurers.

Auto insurance in Biloxi, MS

Like Jackson and Gulfport, Biloxi residents will pay some of the highest rates in the state. Biloxi ranks as the eighth most expensive city for car insurance.

Biloxi's average annual premium of $2,313 per year is 5% higher than the state average.

Biloxi is another city in which State Farm is measurably cheaper than the closest competitor, with our sample driver paying almost $400 less per year than he would with Mississippi Farm Bureau.

However, USAA is the cheapest provider for those who are eligible.

Auto insurance in Hattiesburg, MS

Despite its size, Hattiesburg is the most affordable big city for car insurance. It is the 14th most affordable place in Mississippi.

Average annual quote = $2,143 per year. This is 3% cheaper than the state average.

Shoppers looking for affordability should once again start their search with State Farm, Alfa Insurance or Mississippi Farm Bureau.

Average cost of car insurance in Mississippi: by city

How much is car insurance in Mississippi? We found the state has average annual car insurance premiums of $749 for a minimum coverage policy and $2,208 for a full coverage policy.

But rates change depending on location. Quote data for our sample driver was collected across these eight insurers to determine the average cost per city. This figure was then used to rank and compare the cities relative to one another, from the cheapest rates to the most expensive. Rates by city are for a full coverage policy.

With average rates of $1,975 per year, Tupelo is the cheapest city for car insurance in Mississippi.

Jackson is the most expensive city for auto insurance policies: Average rates are $2,435 per year for our sample driver.

Rank

City

Average annual premium

1

Tupelo

$1,975

2

New Albany

$1,978

3

Booneville

$1,989

4

Pontotoc

$2,002

5

Columbus

$2,002

6

Amory

$2,033

7

Corinth

$2,036

8

West Point

$2,039

9

Greenwood

$2,047

10

Laurel

$2,072

11

Indianola

$2,078

12

Petal

$2,131

13

Brookhaven

$2,135

14

Hattiesburg

$2,143

15

Louisville

$2,144

16

Hernando

$2,159

17

Holly Springs

$2,161

18

Oxford

$2,163

19

Cleveland

$2,165

20

Senatobia

$2,169

21

Meridian

$2,177

22

Greenville

$2,184

23

Kosciusko

$2,186

24

Madison

$2,206

25

Gautier

$2,239

26

Grenada

$2,244

27

Canton

$2,246

28

Batesville

$2,247

29

Southaven

$2,249

30

Flowood

$2,252

31

Brandon

$2,252

32

Horn Lake

$2,259

33

Ridgeland

$2,259

34

Richland

$2,264

35

Olive Branch

$2,267

36

Pascagoula

$2,268

37

Vicksburg

$2,282

38

Yazoo City

$2,285

39

Long Beach

$2,291

40

Moss Point

$2,296

41

D'Iberville

$2,306

42

Diamondhead

$2,306

43

Biloxi

$2,313

44

Bay St. Louis

$2,335

45

Waveland

$2,339

46

Gulfport

$2,354

47

Clinton

$2,358

48

Clarksdale

$2,364

49

Byram

$2,428

50

Jackson

$2,435

Methodology

We collected quotes from over 160 Mississippi cities to complete this study. When obtaining a quote, we used the profile of a 30-year-old male driving a 2015 Honda Civic EX. The driver has a below average credit record and sought a full coverage policy with the following limits:

Coverage type

Study limits

Bodily liability

$50,000 per person/$100,000 per accident

Property damage

$25,000 per accident

Uninsured/underinsured motorist bodily injury

$50,000 per person/$100,000 per accident

Comprehensive and collision

$500 deductible

For the policy meeting only Mississippi's minimum coverage requirements, our sample driver bought a policy with those specific liability limits.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.

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